Dodge Journey Insurance Rates

Estimated insurance rates for a Dodge Journey are $1,284 a year for full coverage. Comprehensive insurance costs approximately $250, collision costs $424, and liability costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage costing $2,778 or more. Teen drivers pay the most at $4,918 a year or more.

Average premium for full coverage: $1,284

Premium estimates by type of coverage:

Prices include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for all Journey models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than larger metro areas.

The example below illustrates how your location can change auto insurance prices.

These rate differences show why everyone should compare rates using their specific location, instead of using price averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below shows estimated Dodge Journey insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $748
• Drivers who choose higher $1,000 deductibles will pay $152 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,284
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $296 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,778 or more
• An auto insurance policy that insures a teen driver for full coverage can cost $4,918 a year

View Chart as Image

Insurance prices for a Dodge Journey also have a wide range based on the model of your Journey, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Dodge Journey insurance for high-risk drivers can cost as much as 43% to 130% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Journey insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $450 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see which company has the best price. Every company uses a different rate calculation, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Right Dodge Journey Insurance

Finding better rates on car insurance not only requires being a good driver, but also having above-average credit, not filing small claims, and maximizing policy discounts. Shop around at every policy renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

The following list is a quick rundown of the data illustrated above.

• Policyholders who purchase an increased level of liability coverage will pay about $500 each year to go from 30/60 bodily injury limits to the 250/500 level
• Drivers can save around $150 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $450 each year
• Drivers age 16 to 20 are expensive to insure, as much as $410 per month if full coverage is included